Terms and Conditions

1. Agreement to Terms

By accessing or using lisalivechat.com (the "Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Site.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

2. Description of Services

Lisa Chastain provides online courses, educational content, AI-powered chatbot services, and resources related to financial mindset, personal development, and financial wellness. Our services include but are not limited to:

• Online courses and educational programs
• AI chatbot assistance and coaching
• Reflection prompts and worksheets
• Digital content and resources

3. User Accounts and Registration

To access certain features of the Site, you may be required to create an account or provide personal information. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

4. Payment and Refunds

Certain services on our Site require payment. By purchasing our services, you agree to:

• Pay all fees associated with your purchase
• Provide accurate and complete payment information
• Authorize us to charge your payment method for all fees incurred

All sales are final. We do not offer refunds except as required by law or as explicitly stated in our refund policy for specific programs. Digital products and courses are non-refundable once accessed.

5. AI-Generated Content and Chatbot Disclaimer

IMPORTANT: Our Site uses artificial intelligence (AI) technology, including chatbots and automated content generation. By using these services, you acknowledge and agree that:

• No Guarantee of Accuracy: AI-generated content and chatbot responses may contain errors, inaccuracies, or incomplete information. We do not guarantee the accuracy, reliability, or completeness of any AI-generated content.
• Not Professional Advice: Information provided through our AI chatbot or courses is for educational and informational purposes only. It does not constitute professional financial advice, legal advice, tax advice, investment advice, or therapeutic/mental health counseling.
• Your Responsibility: You are solely responsible for evaluating the accuracy and appropriateness of any AI-generated content. You should independently verify information and consult with qualified professionals before making financial or personal decisions.
• No Client Relationship: Use of our AI chatbot or courses does not create a professional client relationship with Lisa Chastain or any affiliated professionals.
• Technical Limitations: AI systems may malfunction, provide inappropriate responses, or fail to understand context. We are not liable for any issues arising from AI limitations.
• Data Processing: Your interactions with our AI systems may be logged, analyzed, and used to improve our services.

6. Educational Content Disclaimer

All content provided on this Site, including courses, worksheets, and coaching, is for educational purposes only. This content:

• Does not constitute professional financial, legal, tax, or mental health advice
• Is based on general principles and may not apply to your specific circumstances
• Should not be used as a substitute for professional consultation
• May not reflect the most current financial regulations or best practices

We strongly recommend consulting with qualified financial advisors, accountants, attorneys, or mental health professionals regarding your specific situation.

7. No Guarantees or Warranties

We make no guarantees, representations, or warranties regarding:

• Financial results or outcomes from using our services
• The effectiveness of our programs for your specific goals
• Your ability to achieve any particular result
• The accuracy or completeness of our content

Individual results vary. Your success depends on many factors beyond our control, including your effort, circumstances, and external conditions.

8. Intellectual Property Rights

All content on the Site, including text, graphics, logos, images, videos, audio, software, and course materials, is the property of Lisa Chastain or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site and course materials for your personal, non-commercial use only. You may not:

• Copy, reproduce, distribute, or create derivative works from our content
• Share your account access or course materials with others
• Record, screenshot, or redistribute course videos or materials
• Use our content for commercial purposes
• Remove or alter copyright notices or proprietary markings

9. User Conduct

You agree not to:

• Use the Site for any illegal or unauthorized purpose
• Violate any laws or regulations in your use of the Site
• Interfere with or disrupt the Site or servers
• Attempt to gain unauthorized access to any part of the Site
• Use automated systems (bots, scrapers) to access the Site
• Harass, abuse, or harm other users
• Submit false or misleading information
• Engage in any activity that could damage our reputation or business

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your use or inability to use the Site or services
• Any unauthorized access to or use of our servers or personal information
• Any interruption or cessation of transmission to or from the Site
• Any bugs, viruses, or malware transmitted through the Site
• Any errors or omissions in content
• Any decisions or actions you take based on information from the Site
• AI-generated content or chatbot interactions

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THE SITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.

11. Indemnification

You agree to defend, indemnify, and hold harmless Lisa Chastain and our affiliates, officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, or expenses arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any third-party rights
• Any decisions or actions taken based on information from the Site

12. Privacy and Data Collection

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to our data practices as described in the Privacy Policy.

You acknowledge that we track user activity on the Site using cookies and similar technologies for analytics, personalization, and marketing purposes.

13. Third-Party Links and Services

The Site may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party sites. Your interactions with third-party sites are at your own risk.

14. Termination

We reserve the right to suspend or terminate your access to the Site at any time, without notice, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent or illegal activity
• Abuse of our services or other users
• Non-payment of fees

Upon termination, your right to use the Site will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lisa Chastain regarding your use of the Site.

18. Contact Information

If you have questions about these Terms, please contact us at:

Email: [email protected]

Website: lisalivechat.com